FCAP
First Capital, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
62.41
▼ 0.19 (0.30%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
62.72
Prev close
62.60
Day high
62.90
Day low
61.59
Volume
12.73K
Market cap
$208.74M
P/E (TTM)
11.31
52W range
37.48 – 71.00
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
138.53K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Feb 27, 26 | FREDERICK MICHAEL CHRIS Chief Executive Officer |
STOCK | 300 | $15.24K | Direct |
| Feb 27, 26 | STEVENS JOSHUA PAUL Chief Financial Officer |
STOCK | 300 | $15.24K | Direct |
| Aug 29, 25 | ERNSTBERGER KATHRYN W Director |
BUY | 1.05K | $42.79K | Direct |
| Aug 15, 25 | FREDERICK MICHAEL CHRIS Chief Executive Officer |
STOCK | 200 | $7.65K | Direct |
| Aug 15, 25 | STEVENS JOSHUA PAUL Chief Financial Officer |
STOCK | 200 | $7.50K | Direct |
| Aug 15, 25 | FREDERICK MICHAEL CHRIS Chief Executive Officer |
BUY | 200 | $7.65K | Direct |
| Aug 15, 25 | STEVENS JOSHUA PAUL Chief Financial Officer |
BUY | 200 | $7.50K | Direct |
| May 1, 25 | KRAFT PAMELA G Director |
BUY | 275 | $11.80K | Direct |
| Mar 11, 25 | BYRD CHRISTOPHER L Director |
STOCK | 75 | $2.84K | Direct |
| Mar 11, 25 | FREDERICK MICHAEL CHRIS Chief Executive Officer |
STOCK | 300 | $11.37K | Direct |
| Mar 11, 25 | SHIREMAN MARK D Director |
STOCK | 75 | $2.84K | Direct |
| Mar 11, 25 | HARROD WILLIAM W Director |
STOCK | 75 | $2.84K | Direct |
| Mar 11, 25 | ORWICK WILLIAM I SR Director |
STOCK | 75 | $2.84K | Direct |
| Mar 11, 25 | WALLACE CAROLYN E Director |
STOCK | 75 | $2.84K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BYRD CHRISTOPHER L |
Director | 6.18K | Stock Award(Grant) |
ERNSTBERGER KATHRYN W |
Director | 3.50K | Purchase |
FREDERICK MICHAEL CHRIS |
Chief Executive Officer | 9.84K | Stock Award(Grant) |
HARROD WILLIAM W |
Director | 17.09K | Stock Award(Grant) |
HUBER DANA L |
Director | 23.93K | Stock Award(Grant) |
KRAFT PAMELA G |
Director | 3.23K | Purchase |
ORWICK WILLIAM I SR |
Director | 5.85K | Stock Award(Grant) |
SHIREMAN MARK D |
Director | 52.09K | Stock Award(Grant) |
STEVENS JOSHUA PAUL |
Chief Financial Officer | 2.50K | Stock Award(Grant) |
WALLACE CAROLYN E |
Director | 2.26K | Stock Award(Grant) |
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-3.26%
-1.9%
1M
+4.09%
+0.4%
3M
+16.00%
+12.9%
6M
+16.48%
+5.4%
YTD
+5.42%
-6.9%
1Y
+73.36%
+53.4%
3Y
+75.75%
+1.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$208.74M
Enterprise value$57.81M
Revenue (TTM)$53.24M
Gross profit$53.24M
EBITDA—
Net income$18.45M
EPS (TTM)$5.52
Free cash flow—
Total cash$151.04M
Total debt$0
Book value / share$42.60
Shares outstanding3.34M
Float3.18M
Short % of float2.13%
Dividend yield2.06%
Beta (5Y)0.74
Short interest
Shares short
68.35K
Prior 44.50K
Change vs prior
+53.6%
Shorts adding
% of float
2.13%
Normal
% of shares out
2.04%
Against total outstanding
Days to cover
5.9
Crowded exit
Float
3.18M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Valuation & profitability ratios
Trailing P/E11.31
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.46
EV / revenue1.09
EV / EBITDA—
Gross margin0.00%
Operating margin43.37%
Profit margin34.65%
Return on equity13.88%
Return on assets1.46%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $50.62M | $43.45M | $42.22M | $40.27M | +16.5% |
| Operating revenue | $50.62M | $43.45M | $42.22M | $40.27M | +16.5% |
| Selling, general & admin | $17.29M | $15.89M | $15.33M | $15.05M | +8.8% |
| Pre-tax income | $19.91M | $14.17M | $15.05M | $14.23M | +40.5% |
| Tax provision | $3.53M | $2.22M | $2.25M | $2.32M | +59.3% |
| Net income | $16.37M | $11.94M | $12.79M | $11.90M | +37.1% |
| Net income to common | $16.37M | $11.94M | $12.79M | $11.90M | +37.1% |
| Basic EPS | 4.89 | 3.57 | 3.82 | 3.55 | +37.0% |
| Diluted EPS | 4.89 | 3.57 | 3.82 | 3.55 | +37.0% |
| Basic shares | 3.35M | 3.35M | 3.35M | 3.36M | -0.0% |
| Diluted shares | 3.35M | 3.35M | 3.35M | 3.36M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $138.76M | $108.61M | $27.10M | $32.73M | +27.8% |
| Accounts receivable | $5.10M | $4.58M | $4.79M | $4.29M | +11.5% |
| Property, plant & equipment | $14.36M | $14.18M | $14.41M | $14.67M | +1.3% |
| Goodwill & intangibles | $6.47M | $6.56M | $6.70M | $6.85M | -1.3% |
| Total assets | $1.27B | $1.19B | $1.16B | $1.15B | +7.1% |
| Long-term debt | — | — | $21.50M | — | — |
| Total debt | — | — | $21.50M | — | — |
| Total liabilities | $1.13B | $1.07B | $1.05B | $1.07B | +5.7% |
| Retained earnings | $117.64M | $105.29M | $97.11M | $88.47M | +11.7% |
| Shareholder equity | $137.80M | $114.60M | $105.23M | $85.16M | +20.2% |
| Net tangible assets | $131.32M | $108.04M | $98.53M | $78.31M | +21.6% |
| Shares issued | 3.81M | 3.81M | 3.80M | 3.80M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $16.38M | $11.95M | $12.80M | $11.91M | +37.0% |
| Depreciation & amortisation | $1.09M | $1.10M | $1.03M | $1.07M | -0.7% |
| Stock-based compensation | $104.00K | $202.00K | $252.00K | $436.00K | -48.5% |
| Change in working capital | $603.00K | $4.26M | -$4.10M | -$2.11M | -85.8% |
| Operating cash flow | $21.28M | $22.34M | $14.16M | $16.53M | -4.7% |
| Capital expenditure | -$1.35M | -$717.00K | -$627.00K | -$415.00K | -88.6% |
| Investing cash flow | -$41.83M | $29.01M | -$23.95M | -$144.03M | -244.2% |
| Share buybacks | -$578.00K | -$41.00K | -$502.00K | $0 | -1,309.8% |
| Dividends paid | -$4.04M | -$3.77M | -$3.63M | -$3.52M | -7.1% |
| Financing cash flow | $51.92M | $15.90M | -$17.84M | $21.29M | +226.6% |
| Free cash flow | $19.93M | $21.63M | $13.54M | $16.12M | -7.8% |
| End cash position | $137.29M | $105.92M | $38.67M | $66.30M | +29.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $13.47M | $13.49M | $13.26M | $12.43M | $11.43M | — |
| Operating revenue | — | $13.47M | $13.49M | $13.26M | $12.43M | $11.43M | — |
| Selling, general & admin | — | $4.41M | $4.49M | $4.24M | $4.39M | $4.18M | — |
| Tax provision | — | $1.03M | $938.00K | $1.07M | $852.00K | $672.00K | — |
| Net income | — | $4.33M | $4.88M | $4.48M | $3.77M | $3.23M | — |
| Net income to common | — | $4.33M | $4.88M | $4.48M | $3.77M | $3.23M | — |
| Basic EPS | 1.43 | 1.30 | 1.46 | 1.34 | 1.13 | — | +10.0% |
| Diluted EPS | 1.43 | 1.30 | 1.46 | 1.34 | 1.13 | — | +10.0% |
| Basic shares | 3.34M | 3.34M | 3.34M | 3.35M | 3.35M | — | +0.0% |
| Diluted shares | 3.34M | 3.34M | 3.34M | 3.35M | 3.35M | — | +0.0% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $150.87M | $138.76M | $114.38M | $136.80M | $119.32M | +8.7% |
| Accounts receivable | $4.92M | $5.10M | $4.79M | $4.64M | $4.56M | -3.6% |
| Property, plant & equipment | $14.57M | $14.36M | $13.93M | $14.12M | $14.10M | +1.5% |
| Goodwill & intangibles | $6.47M | $6.47M | $6.47M | $6.48M | $6.52M | 0.0% |
| Total assets | $1.28B | $1.27B | $1.24B | $1.24B | $1.21B | +1.0% |
| Total liabilities | $1.15B | $1.13B | $1.10B | $1.12B | $1.09B | +1.1% |
| Retained earnings | $120.93M | $117.64M | $113.79M | $110.35M | $107.55M | +2.8% |
| Shareholder equity | $138.04M | $137.80M | $132.44M | $123.20M | $120.08M | +0.2% |
| Net tangible assets | $131.57M | $131.32M | $125.97M | $116.72M | $113.56M | +0.2% |
| Shares issued | 3.81M | 3.81M | 3.81M | 3.81M | 3.81M | +0.1% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.33M | $4.88M | $4.48M | $3.78M | $3.24M | -11.3% |
| Depreciation & amortisation | $279.00K | $258.00K | $270.00K | $280.00K | $281.00K | +8.1% |
| Stock-based compensation | $20.00K | $14.00K | $13.00K | $39.00K | $38.00K | +42.9% |
| Change in working capital | -$398.00K | $193.00K | $1.33M | -$674.00K | -$242.00K | -306.2% |
| Operating cash flow | $6.34M | $5.23M | $7.94M | $3.72M | $4.39M | +21.2% |
| Capital expenditure | -$489.00K | -$698.00K | -$165.00K | -$269.00K | -$220.00K | +29.9% |
| Investing cash flow | -$6.53M | -$6.82M | -$13.36M | -$11.47M | -$10.18M | +4.2% |
| Share buybacks | $0 | -$517.00K | -$52.00K | $0 | -$9.00K | +100.0% |
| Dividends paid | -$1.04M | -$1.04M | -$1.04M | -$985.00K | -$974.00K | -0.1% |
| Financing cash flow | $12.54M | $26.70M | -$17.00M | $25.72M | $16.50M | -53.0% |
| Free cash flow | $5.85M | $4.53M | $7.78M | $3.46M | $4.17M | +29.1% |
| End cash position | $149.64M | $137.29M | $112.18M | $134.59M | $116.62M | +9.0% |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2010 | — | 0.35 | — |
| Sep 2010 | — | 0.33 | — |
| Jun 2010 | — | 0.35 | — |
| Mar 2010 | — | 0.36 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders4.14%
Held by institutions27.32%
Institutions holding100
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
63.97
-2.44% from price
SMA 20
64.06
-2.58% from price
SMA 50
63.33
-1.46% from price
SMA 100
59.57
+4.78% from price
SMA 200
55.94
+11.57% from price
EMA 12
63.57
-1.83% from price
EMA 26
63.44
-1.62% from price
EMA 50
62.53
-0.19% from price
RSI (14)
44.9
Neutral
MACD (12,26,9)
0.13
Hist -0.31
ATR (14)
1.86
2.98% of price
Realised vol 30D
26.8%
Annualised
Bollinger upper
66.16
20, 2σ
Bollinger lower
61.97
20, 2σ
50 / 200 cross
Golden
63.33 vs 55.94
Trend bias
Above 200
+11.57%
Risk profile
Beta vs SPY
0.06
Less volatile than market
Correlation to SPY
0.02
Largely independent
Realised vol 30D
26.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-33.0%
Peak to trough
Max drawdown 5Y
-47.3%
Peak to trough
ATR 14
1.86
2.98% of price
Beta (reported)
0.74
5Y monthly, from filing
Dividends & splits
Forward rate$1.28 / yr
Forward yield2.06%
5-year avg yield3.19%
Payout ratio22.46%
Ex-dividend dateSep 11, 2026
Next pay dateJun 26, 2026
Last split11:10
Split dateJul 17, 2006
SEC filings
Periodic Financial Reports
10-Q · 2026-08-12
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-05-22
Periodic Financial Reports
10-Q · 2026-05-12
Corporate Changes & Voting Matters
8-K · 2026-04-24
Annual Report to Shareholders
ARS · 2026-04-08
Periodic Financial Reports
10-K · 2026-03-31
Corporate Changes & Voting Matters
8-K · 2026-02-19
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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